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Debt and Caring
Comments
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Hope it at least gives a much needed boost to your £ situation.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/250 -
Good luck tomorrow xSealed pot challenge 822
Jan - £176.66 :j2 -
I hope all goes well and they turn out to be organised after all! However it goes, well done for giving it a try. It certainly has potential to help pay your way and give you structure, income and exercise (all very useful).I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/223 -
Hope it goes well and works out in a way that is pleasing to youhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 50
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r61 -
Thanks @savingholmes, @dawnybabes, @cherryfudge, @PennysIntoPounds.
If anyone had a bet on me walking out within the first hour…
Sorry to say you’d have lost your money 😂
I was pleasantly surprised. Everyone was really nice. The postie they had me working with had been there for nearly forty years.I was a bit on edge when I showed up but it seems like they are happy to do 30 hours and have scheduled me to finish at 15.30 so phew. I just have to double check Thursday is my day off and then I should be ok to keep working there.
I went to the flat first as well, thinking I would maybe try planting all those bulbs I bought but I did not take into account the dark (doesn’t get light until just before 8am) or the fact that it was raining. So I decided it was an investigative visit and took myself off to Star$ for tea and a pastry.
It was nice to feel a bit more a part of things again- even strap hanging on the bus was a wormhole into normalcy. Although less so when I put my hand on a wet strap 🤮
I have a few things in mind to review this evening. The electric blanket is on and my leg muscles very much appreciate this.6 -
Great news - it sounds like the beginning of something good.
I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
That’s brilliant! Good call on the heat for the aching legs tooDebt at LBM (Dec 2018): £23,167
Debt free Feb 20212 -
Oh, I am so pleased it went so well. 😊
Don’t be surprised by how exhausting you find the first few days of your new routine - both mentally and physically and be kind to yourself about any other expectations you might have for yourself.KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
So pleased for you WD. Hope the weather is kind and your shoes supportive!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/251 -
Can I suggest some magnesium salts in your bath for the foreseeable, will help you sleep and aid muscle recovery xSealed pot challenge 822
Jan - £176.66 :j2
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